Common use of Terminal Transfers Clause in Contracts

Terminal Transfers. At the time you applied for a card(s), you selected and qualified for the services currently accessible by your card(s). Your card(s) presently gives you access only to those services. However, you may request other services if you desire. Depending upon which services you request and qualify for, and subject to the terms of applicable depository agreements with us, you may use your card(s) to: (1) Withdraw cash from your Deposit Accounts; (2) Make deposits to your Deposit Accounts; (3) Transfer funds between your Deposit Accounts whenever you request; (4) Pay for purchases from merchants who have agreed to accept the card(s) for that purpose; and (5) Inquire as to the amount of your "available balance" (as defined below). OVERDRAFTS – ATM AND DEBIT CARD If an overdraft is needed to cover your ATM or Debit card transaction we may pay it at our discretion. You must opt-in to receive this potential coverage. Please see Schedule of Fees and Charges. If we do not authorize and pay the overdraft your transaction will be denied. Some of these services may not be available at all Terminals ("Terminal(s)" refers to those automatic teller machines and other electronic terminals in which you may use your card(s)). You may use your card(s) in the Terminal to withdraw cash from your Deposit Accounts up to the amount of your "Available Balance," not exceeding $500 per day, per card (the "available balance" is your current ledger balance minus holds placed on your account by us, minus withdrawals and transfers from your Deposit Accounts made at a Terminal, plus transfer credits. The ledger balance is derived after all transactions received the previous day have been posted to your Deposit Account, regardless of whether the funds have actually been collected or paid by us. Transfer credits are transfers from one Deposit Account to another made at a Terminal). You may use your Check Card(s) to pay for goods and services at retail locations (point of sale) displaying the Visa symbol. We will debit your account for all purchases and withdrawals made with your card(s). The use of your card(s) to purchase goods and services will constitute a simultaneous withdrawal from and/or demand from your primary checking account. You cannot place a stop payment on any transaction made with your Check Card. If you use your Check Card(s) and a dispute arises with the merchant and you make a good faith effort to resolve the dispute satisfactorily, we will, at our discretion, assist you in your efforts to resolve such dispute. However, you are ultimately responsible for reaching a resolution. In addition to the limits on cash withdrawals at Terminals, you may use your Check Card to purchase up to $2,000 in goods and services each day, as long as your available balance is sufficient to cover the aggregate of all purchases. Cash withdrawals made at merchant- assisted terminals will be subject to a maximum withdrawal limit established by the merchant; however, this limit will not exceed the limit outlined above. If you choose CREDIT, the transaction will be done as a Visa Check Card transaction, giving you all of the protection and rights that accompany a Visa Check Card transaction. If you chose the DEBIT option, you might not have to use your PIN and you might not have all of the protection and rights that accompany a Visa Check Card. We may raise or lower your limit or cancel certain services at any time. You will be notified of any future changes in your limit or available services.

Terminal Transfers. At the time you applied for a card(sCard(s), you selected and qualified for the services currently accessible by your card(sCard(s). Your card(sCard(s) presently gives you access only to those services. However; however, you may request other services if you desire. Depending upon on which services you request and qualify for, and subject to the terms of applicable depository agreements with us, you may use your card(sCard(s) to: (1) Withdraw cash from your Deposit Accountsdeposit accounts; (2) Make deposits to your Deposit Accountsdeposit accounts; (3) Transfer funds between your Deposit Accounts whenever you request; (4) Pay for purchases from merchants who have agreed to accept the card(sCard(s) for that purpose; 4) Transfer funds between your deposit accounts whenever you request; 5) Pay bills directly by telephone from your deposit accounts in the amounts and on the days you request; and (56) Inquire as to the amount of your "“available balance" ” (as defined below). OVERDRAFTS – ATM AND DEBIT CARD If an overdraft is needed to cover your ATM or Debit card transaction we may pay it at our discretion. You must opt-in to receive this potential coverage. Please see Schedule of Fees and Charges. If we do not authorize and pay the overdraft your transaction will be denied. Some of these services may not be available at all Terminals ("Terminals. [“Terminal(s)" ” refers to those automatic automated teller machines and other electronic terminals in which you may use your card(sCard(s)). .] You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to: 1) Pay for purchases 2) Pay bills You may use your card(sCard(s) in the Terminal terminal to withdraw cash from your Deposit Accounts deposit accounts, up to the amount of your "Available Balance“available balance," ” not exceeding $500 daily limit per day, per card Card. (the "The “available balance" ” is your current ledger balance minus holds placed on your account by us, minus withdrawals and transfers from your Deposit Accounts deposit accounts made at a Terminal, plus transfer credits. The ledger balance is derived after all transactions received the previous business day have been posted to your Deposit Accountdeposit account, regardless of whether the funds have actually been collected or paid by us. Transfer credits are transfers from one Deposit Account deposit account to another made at a Terminal). You may use your Check Card(s.) to pay for goods and services at retail locations (point of sale) displaying the Visa symbol. We will debit your account for all purchases and withdrawals made with your card(s). The use of your card(s) to purchase goods and services will constitute a simultaneous withdrawal from and/or demand from your primary checking account. You cannot place a stop payment on any transaction made with your Check Card. If you use your Check Card(s) and a dispute arises with the merchant and you make a good faith effort to resolve the dispute satisfactorily, we will, at our discretion, assist you in your efforts to resolve such dispute. However, you are ultimately responsible for reaching a resolution. In addition to the limits on cash withdrawals at Terminals, you may use your Check Card to purchase up to $2,000 in goods and services each day, as long as your available balance is sufficient to cover the aggregate of all purchases. Cash withdrawals made at merchant- merchant-assisted terminals will be subject to a the maximum withdrawal limit established by the merchant; however, this limit will not exceed the limit outlined above. If you choose CREDIT, the transaction will be done as a Visa Check Card transaction, giving you all of the protection and rights that accompany a Visa Check Card transaction. If you chose the DEBIT option, you might not have to use your PIN and you might not have all of the protection and rights that accompany a Visa Check Cardbelow. We may raise or lower your limit or cancel eliminate certain services at any time. You will be notified of any future changes in your limit or available services.